<!--<div style="text-align: center;"><b>Permissions Notice</b></div>-->

<p>To enhance our services, we kindly request access to certain device settings. Your privacy is our
    top priority, and we will provide clear explanations for each permission requested.</p>

<p><b>Personal Information</b></p>
<p>
    We collect your personal information such as your name, marital status, number of children, date
    of birth, phone number, email address, residential address, occupation, monthly income. This
    information helps assess your qualifications and prevent fraud. The data will be securely
    uploaded to our server and deleted after the assessment is completed.</p>

<p><b>App List</b></p>
<p>We may collect and access the list of apps installed on your device (App List) in order to
    provide more personalized services, optimize user experience, and ensure the normal operation of
    this app.

    App list access is solely for fraud prevention and credit risk assessment. We do not use this
    data for product marketing without your separate consent.

    Please rest assured that your app list information is only used for related services within this
    app, will not be used for other unauthorized purposes, and will strictly comply with relevant
    privacy protection regulations.</p>

<p><b>Device Information</b></p>
<p>In this privacy agreement, we may collect your device information, including device model,
    operating system version, device unique identifier, screen resolution, and network status. This
    information is collected to optimize our service experience, such as improving application
    performance, resolving compatibility issues, enhancing security, and preventing fraud. In
    addition, device information helps us analyze user usage behavior in order to provide you with
    personalized services and loan product recommendations.</p>

<p><b>SMS Information</b></p>
<p>We only collect financial SMS data related to salary credits, bank debits/credits, repayment
    confirmations and overdue alerts. Only messages received within the past 180 days are collected
    to ensure accuracy and relevance. This information supports credit assessment, loan-product
    matching, and risk profiling. It is uploaded to our servers and automatically deleted once a
    credit decision is made.
</p>

<p><b>Approximate Location</b></p>
<p>
    Approximate location is collected only during active loan processing to verify whether you are
    within the geographic scope of our services, ensuring we can provide you with applicable
    services.
</p>